What's new
By:
USCHO Fan Forum

This is a sample guest message. Register a free account today to become a member! Once signed in, you'll be able to participate on this site by adding your own topics and posts, as well as connect with other members through your own private inbox!

  • The USCHO Fan Forum has migrated to a new plaform, xenForo. Most of the function of the forum should work in familiar ways. Please note that you can switch between light and dark modes by clicking on the gear icon in the upper right of the main menu bar. We are hoping that this new platform will prove to be faster and more reliable. Please feel free to explore its features.

What The Fark 6: FARK OFF!

Status
Not open for further replies.
dxmnkd316 said:
That's why I worked directly with the bank.

Thats fucking tragic though lynah. I don't even know how they recover from that.
Click to expand...

Absolutely devastating, especially since they were buying the house due to a new, very, very, very long awaited baby. They are absolutely shattered.
 
LynahFan said:
A grad school friend and her husband, both PhDs, just shared on Facebook that they lost their life savings to a scam. They finally saved up enough to buy a house in the DC area. The scammer inserted itself in between them and the title company, and basically provided fake account info for them to send the down payment to. They are working with the FBI, but the money is likely just gone. Absolutely horrible. They said all the documentation from the scammer looked perfect - coming from the right email address, right fonts and format, perfect English, etc.

I would certainly have never thought to call the title company directly on a verified number to confirm the transfer details - but you bet your *** I will the next time.
Click to expand...

If you don't mind me asking, how did the scammer insert themselves? Did the scammer call first?
 
WisconsinWildcard said:
For the initial purchase, I was in another state and wired money to the title company (or bank, cannot remember the exact details at this time) which I think is similar to the situation described where an scammer inserted themselves and got the money instead. Either way, I made several phone calls the day of transfer to ensure details of the transaction.
Click to expand...

Same here. It was April 2021, so I think everything was still being done non-in-person as much as possible. I think I called the person on the other end to check a lot of details, partly because I was nervous and partly because we were getting close to running out of time in the closing period and I wanted to make sure everyone was done without any additional mistakes that would delay things. I also had to go in-person t Chase to do the wire based on the size (#humblebrag) so maybe they would have been able to detect anything.

(None of this is meant to imply LF's friends did anything wrong, a lot of this is there-but-for-the-grace-of-god-go-I, because I knew squat about buying a home and would have been the perfect patsy.)
 
dxmnkd316 said:
Wait, please tell me it wasn't the full value of the home. In dc.
Click to expand...

Just the downpayment, but these people have only been gainfully employed (grad stipends don't count) for about 10 years, so scraping together a DC downpayment in that time is actually pretty good.
 
French Rage said:
(None of this is meant to imply LF's friends did anything wrong, a lot of this is there-but-for-the-grace-of-god-go-I, because I knew squat about buying a home and would have been the perfect patsy.)
Click to expand...

Same here. I just followed my bank's instructions. The bank was SUPER careful and serious, so I was too.
 
French Rage said:
(None of this is meant to imply LF's friends did anything wrong, a lot of this is there-but-for-the-grace-of-god-go-I, because I knew squat about buying a home and would have been the perfect patsy.)
Click to expand...

And to clarify, I was not trying to imply that they did anything wrong. Just that I remember the fear of god being put in me by the professionals helping me through the process.
 
LynahFan said:
A grad school friend and her husband, both PhDs, just shared on Facebook that they lost their life savings to a scam. They finally saved up enough to buy a house in the DC area. The scammer inserted itself in between them and the title company, and basically provided fake account info for them to send the down payment to. They are working with the FBI, but the money is likely just gone. Absolutely horrible. They said all the documentation from the scammer looked perfect - coming from the right email address, right fonts and format, perfect English, etc.

I would certainly have never thought to call the title company directly on a verified number to confirm the transfer details - but you bet your *** I will the next time.
Click to expand...
I’m late o the reply list here, but here are some tips that could help:
—Research the ABA or SWIFT (if international) routing instructions provided for the wire.
—Using a search engine to first get the correct URL, find contact info to reach out to the bank to validate as much of that info as possible.
—The ABA’s and SWIFT’s sites will provide the registered financial institution. (Hint: the larger the bank, the better they are at performing the required customer due diligence, the less likely you’re given a scammer’s account. Though not impossible.) My employer works really hard at making sure the only people stealing from their customers is the bank itself. Allowing known bad actors work from within the bank is actually far worse in penalties than being the bank actor itself.
 
https://twitter.com/HalfEatenScone/status/1541868671789932545?s=20&t=JzVIayJd0_T8TGbdHE0iqg

"I mined Reddit comments to measure the frequency of different insulting compound words."

FWXLJnrXEAETGS5
 
"Poopwaffle" was non-zero.

It's actually a perfect description when you see a dog leaving which some poor guy in work boots has stepped in.
 
St. Clown said:
I’m late o the reply list here, but here are some tips that could help:
—Research the ABA or SWIFT (if international) routing instructions provided for the wire.
—Using a search engine to first get the correct URL, find contact info to reach out to the bank to validate as much of that info as possible.
—The ABA’s and SWIFT’s sites will provide the registered financial institution. (Hint: the larger the bank, the better they are at performing the required customer due diligence, the less likely you’re given a scammer’s account. Though not impossible.) My employer works really hard at making sure the only people stealing from their customers is the bank itself. Allowing known bad actors work from within the bank is actually far worse in penalties than being the bank actor itself.
Click to expand...

Semi-related random question. Made the monthly mortgage payment online last week. Mortgage company shows it was paid that day. My bank still hasn't taken the payment out of the account. Normally it processes within 2 days. It's been 9.

Should I just assume it's an error on the backend that will get fixed eventually? Should I contact the bank or not my problem since the mortgage company got their money already?
 
unofan said:
Semi-related random question. Made the monthly mortgage payment online last week. Mortgage company shows it was paid that day. My bank still hasn't taken the payment out of the account. Normally it processes within 2 days. It's been 9.

Should I just assume it's an error on the backend that will get fixed eventually? Should I contact the bank or not my problem since the mortgage company got their money already?
Click to expand...

If all it takes is a phone call I would contact your bank even if the mortgage company is claiming receipt. You just never know when something like that can go sideways if you don't confirm both ends.
 
unofan said:
Semi-related random question. Made the monthly mortgage payment online last week. Mortgage company shows it was paid that day. My bank still hasn't taken the payment out of the account. Normally it processes within 2 days. It's been 9.

Should I just assume it's an error on the backend that will get fixed eventually? Should I contact the bank or not my problem since the mortgage company got their money already?
Click to expand...
Call both companies. Ask your mortgage company for full transaction details, to ensure the account from which payment was made. Then confirm with the bank, if the mortgage company confirms your thoughts.

Your bank may have messed up something on their end, but eventually they’ll figure out the details. Better sooner than later because they may later require income payment corrections - taking dividend from your account to give to another account.
 
St. Clown said:
Call both companies. Ask your mortgage company for full transaction details, to ensure the account from which payment was made. Then confirm with the bank, if the mortgage company confirms your thoughts.

Your bank may have messed up something on their end, but eventually they’ll figure out the details. Better sooner than later because they may later require income payment corrections - taking dividend from your account to give to another account.
Click to expand...

And of course, an hour after I post here, it's finally listed on the pending transactions at the bank (with a transaction date of 9 days ago).
 
Status
Not open for further replies.
Back
Top